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BANGKOK 18 July 2019 19:00
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Mandatory health insurance for foreigners aged over 50 in Thailand - why it may not affect you

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6 hours ago, NokNokJoke said:

No mention of the insurance requirement on the DC Consulate site, yet.  I plan on applying for a Non O-A from there in the next few weeks, but probably not traveling to Thailand until early July.

I assume if the visa is granted....they can't retroactively require the insurance?

(Plan on getting it anyway,but not sure possible at this point without a thai address?)

I have a Non O-A from DC, and you do not have to have a Thai address...though they do ask on the additional information form for the application if you have any contacts in Thailand. And why would you have an address if you've never been before--of course, they don't know that, but putting a hotel/guest house as your first location would suffice.  

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5 hours ago, Bkkjimbo said:

Never heard that before.

 

A 90 day non O can be converted to a 1 year EOS at local immigration?

 

 

Yes, a Non Immigrant O VISA can be converted into a 1 year extension of stay at a local immigration office.

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1 hour ago, mosan said:

I have a Non O-A from DC, and you do not have to have a Thai address...though they do ask on the additional information form for the application if you have any contacts in Thailand. And why would you have an address if you've never been before--of course, they don't know that, but putting a hotel/guest house as your first location would suffice.  

I did a cursory look at the insurance application forms with the intention of trying to get coverage before I leave the US, but at least one carrier wanted a thai address.   So, not an address for immigration purposes.

 

Straying off topic, but on the O-A forms for DC, they have spaces for flight number.     I was not intending to book a flight until I had the O-A visa.  Any problem leaving blank or just putting something in there?  

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17 hours ago, dcnx said:

Not yet. It will apply to everyone eventually.

 

Seems the screws are being tightened globaly regarding immigration.

Thailand especially.

 

I do see the logic to mandatory health insurance tho.

 

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Insurance not available to older residents. Makes sense as insurance companies only want to insure people who won't collect on it, like banks only like to loan money to people who don't need it. But how can anyone feel secure about retiring here knowing that in the future they will not be insured even if they have been paying into it for 20 years and never collected one baht? Seems to work only if planning on starting over in your home country in old age. Suggestion for over 75: Catastrophic coverage. It pays nothing up to 100k baht, but covers between 100k and 500k for emergency care at any hospital, but longer-term care only at government facilities. That should be enough to stabilize anyone for a trip to their home country.

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5 minutes ago, Mac98 said:

Insurance not available to older residents. Makes sense as insurance companies only want to insure people who won't collect on it, like banks only like to loan money to people who don't need it. But how can anyone feel secure about retiring here knowing that in the future they will not be insured even if they have been paying into it for 20 years and never collected one baht? Seems to work only if planning on starting over in your home country in old age. Suggestion for over 75: Catastrophic coverage. It pays nothing up to 100k baht, but covers between 100k and 500k for emergency care at any hospital, but longer-term care only at government facilities. That should be enough to stabilize anyone for a trip to their home country.

and where do u get that?

 

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13 hours ago, Torrens54 said:

Okay, so maybe I’m just too thick to grasp all of this..

what about those who are Retired and Married to a Thai ?

They are all going under the bus, the recent ''propaganda'' sorry figures

that are backed by a few ''special posters'' reveal how low this lot will go.

 

They need new revenue streams and they do not care how they achieve this.

many with previous conditions and over seventy cannot buy insurance but

they may let you stay if you keep one million baht in the Thai banks...

could well be the end of the line for a lot of Farang Marriages.

even the insurance offered here is double what you pay elsewhere. 

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17 hours ago, Teddy3943 said:

It's funny that sometimes immigration officers in various cities use various interpretations of their own laws...

Not funny at all.

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Sorry but It's myopic or naive to believe that the mandatory health insurance won't be applied to (almost?) everybody who's over 50 & is on a long term (1 year) visa  

 

Think about it... the (Perceived) "Problem" is long term stayers over 50 running up unpaid medical bills, so what difference does it make whether they're on a Non-OA or extension of it or extension of a Non-O (>50 or Retirement) or even on a Thai Elite visa?

 

The only exception I can see that makes sense is for people who use the money in the bank method, why would you need to be able to prove you have 400k/40k of Insurance coverage when you show that you have that in the Bank 

 

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37 minutes ago, Mike Teavee said:

Sorry but It's myopic or naive to believe that the mandatory health insurance won't be applied to (almost?) everybody who's over 50 & is on a long term (1 year) visa  

 

Think about it... the (Perceived) "Problem" is long term stayers over 50 running up unpaid medical bills, so what difference does it make whether they're on a Non-OA or extension of it or extension of a Non-O (>50 or Retirement) or even on a Thai Elite visa?

 

The only exception I can see that makes sense is for people who use the money in the bank method, why would you need to be able to prove you have 400k/40k of Insurance coverage when you show that you have that in the Bank 

 

Maybe that is why the new rules state you must keep 400k in the bank at all times. Hopefully.

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Posted (edited)
43 minutes ago, Mike Teavee said:

Sorry but It's myopic or naive to believe that the mandatory health insurance won't be applied to (almost?) everybody who's over 50 & is on a long term (1 year) visa  

My thoughts exactly.  I'm sure when this was formulated, they meant were thinking of all long stay over 50s.  Not just a small group of O-A visa holders.

Edited by essexman

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16 hours ago, zydeco said:

There is no requirement for maintaining an account balance. As long as they get their 65K per month posted, they can withdraw it all the next day. That may be seen as a problem. 400,000 minimum maintained in a bank account permanently, as with the 800,000 retirees might be what they're thinking. 

As i understand, the O-A applicant must show equal to 800k in bank account in his own country.

many would probably be more cashed up than TV guys screaming about having to keep 400k in the bank a few months

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